May 2009

TABLE OF CONTENTS


Editor Column: Kate Kinkade


14 The Last Stand for Private Health Insurance?
Special Report – What Healthcare Reform Could Mean for the Insurance Industry
by Leila Morris
In this article leading industry experts make
some predictions on the new administration’s
long-term effect on the health insurance industry.

20 How CDHPs Bring Value to Your Clients
by Ron Goldstein
As a broker, it’s important to recognize that CDHPs bring value to your clients’ lives, enriching their health and wealth if tied to strong wellness benefits. More crucial, however, is that we all help our clients understand that these are smart investments for their health and financial futures.

22 HSA Trends in Tough Times
by Cora Tellez
The changes in employer and employees through the lens of HSA activity.

24 Hispanic Business Owners Driving the Economy
by Brenda Hamilton
Minority-owned businesses make up the fastest growing business sector in America.

34 View From the Top…Executives Give Their Take on the Voluntary Benefits Market
by Leila Morris
The market for voluntary products is one of the fastest-growing areas of the benefit arena. The experts tell experts tell us which ones are hot.

46 Multi-Life Disability Insurance Offers Value to Employers and Employees Alike
by Michael Hagedorn, CFP, CLU
In a tough economy, employers are scrutinizing their benefit plans to make sure the company and its employees are receiving good value in relation to rising costs.

50 When Should You Recommend a Fixed Indexed Annuity?
by Kris Kattmann
In today’s climate of economic uncertainty, clients are looking to insurance products with less risk, but with growth potential.

52 Does A Roth IRA Conversion Make Sense For Your Clients?
by Thom Hunzicker MBA CFP 
Many clients are asking their financial advisors about the benefits of Roth IRA conversions.